Marketing should always be OPT-IN by default, but these extra steps to opt out is truly asshole design.

Oh, and on the opt-out confirmation screen, you get two options: Yes or No. The button colour for “yes” is white, and the “no” button matches the “save” button on the previous screen, so it’s easy to accidentally cancel the opt-out. Double-asshole design!

  • teft@startrek.website
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    1 year ago

    If this is the marketing opt-out screen you know damn well they’re selling everything they can about your purchase and banking histories. I would change to a credit union post haste.

    • s38b35M5@lemmy.world
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      1 year ago

      On of my banking apps fails to open when I disallow connections to graph.facebook.com. Their support team has indicated that it’s not their app. I have logs from various vpn-like capture apps, and my firewall. Pretty icky.

      • bitwolf@lemmy.one
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        1 year ago

        It’s crazy because banks were so uptight about security (rooted phones) when it comes to tap and pay.

        But they’ll just throw facebook into the equation without a 2nd thought.

    • Showroom7561@lemmy.caOP
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      1 year ago

      I would change to a credit union post haste.

      Unfortunately, our local credit union would end up costing a lot more per month in fees than the “free” account I have with data mining. LOL

      • NoIWontPickaName@kbin.social
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        1 year ago

        I do not understand this, I don’t recall ever having seen bank/CU accounts that cost money.

        Hell my credit union pays me like 2-5% on my checking account, can’t remember and CBF to look it up, and like 3%on my savings.

        I have had checking accounts without interest before, but never one I had to pay for, and I am not using shady online banks either, mine are legit respected ones.

        • Showroom7561@lemmy.caOP
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          1 year ago

          I don’t recall ever having seen bank/CU accounts that cost money.

          What country??

          In Canada, there are only a few banks that I’m aware of that offer free accounts. Many are online only and end up being really limited.

          Our local credit union has several personal accounts, and they either start at $10 a month or “free” but they charge for every ATM transaction, deposit, e-transfer, etc.

          • kevincox@lemmy.ml
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            1 year ago

            Yeah, I looked it up and couldn’t find one that fit my needs. Many of them lack a way to get cash or cheques which unfortunately is still occasionally needed. (I probably write/deposit ~5 cheques a year). I would also want to switch to one that has TOTP based 2FA but that seems to be none of them, but I would never switch to one that requires SMS or custom app based 2FA (which seems to be most of them).

            Man, banking is one of the things I really miss about living in Europe.

  • 𝒍𝒆𝒎𝒂𝒏𝒏@lemmy.dbzer0.com
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    1 year ago

    Inbound calls? Outbound calls? I would not want to sit through an ad instead of being put straight through to a bank rep to report a missing card or some other important issue

    This kind of stuff should be 100% opt in as you say!

    • Showroom7561@lemmy.caOP
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      1 year ago

      Inbound calls? Outbound calls? I would not want to sit through an ad instead of being put straight through to a bank rep to report a missing card or some other important issue

      Hopefully, it also includes the “upsell” when you do call for something. Like, after the problem is resolved, “we have some other products you might be interested in.”. I don’t want to hear about anything that I’m not asking about.

      • kevincox@lemmy.ml
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        1 year ago

        Seriously. My checking account bank has a very small number of jobs:

        1. Recieve my paycheck.
        2. Transfer money where I say.
        3. Occasionally deposit/withdraw cheques or bills.
        4. Tell me how much money of mine you have.

        I don’t want any new features.

  • theodewere@kbin.social
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    1 year ago

    you don’t have a bank, you have a direct marketing company that knows the password to your checking account

    • Showroom7561@lemmy.caOP
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      1 year ago

      I’m fortunate that they give me the option to opt out of pretty much any and all forms of marketing, but Jesus Christ, it shouldn’t take a half hour to do it!

  • AlphaOmega@lemmy.world
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    1 year ago

    As a developer this seems like a lot of extra work. I would assume that this was a supervisor’s idea.

    But I wouldn’t necessarily consider giving the customer every possible option a bad choice. Giving customers the ability to fine tune their email notifications is really a bonus feature.

    However, this is a horrible design choice to display 3 pages of multiple options. It’s an asshole design.

    It would be pretty easy to group them into a drop down list where multiples in that category can be selected or deselected with a couple of toggles.

    I would assume this was some genius executive decision, but there’s a very small chance it was a stupid design choice. Regardless the designer will always be blamed.

  • DLSantini@lemmy.ml
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    1 year ago

    Much of the bullshit they’re doing aside, I’d kill to have that much granularity in notification preferences on various services. Too many times it’s an “all-or-nothing” situation. The more specific I can get, the better.

    Edit: actually, I just realized that they don’t even give any real options for each communication method. Nevermind lol

  • ryper@lemmy.ca
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    1 year ago

    I got the same thing, and I suspect this is their “malicious compliance” way of dealing with some new rule about needing to let people opt out of marketing. There are 33 separate settings.

    At least now I can probably leave their app’s notifications enabled for 2FA without also getting marketing notifications.

  • kevincox@lemmy.ml
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    1 year ago

    Ah yes, I got this email today as well. Absolutely user-hostile. Not only is every opt-out 4 clicks (opt-in is only 3) the categories are very confusing and unclear. Some of them just sound like you are opting out of all email communication which I don’t want to do unless they actually have something important to tell me (however unlikely). I would also bet $1k that by this time next year they have either opted me back in without consent or added a new category that is default-enabled.

    Along with their switch to SMS 2 factor (no option for TOTP and they removed the email option they used to have) I am seriously considering switching. The problem is that every other bank seems worse.

  • bouldering_barista@lemmy.world
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    1 year ago

    I think it was LinkedIn I remember seeing also did this, right before I uninstalled the app. NextDoor does something like this but not 3 pages worth. The harder it is, the less people that will do it - and the companies doing this know that!